Hi, I’m
Kaustav Khanra
Senior Manager
Kolkata
Summary
Resourceful Manager offering history of success coordinating and monitoring operations across various departments. Effective leader and problem-solver dedicated to streamlining operations to decrease costs and promote organizational efficiency. Highly committed with hardworking mentality to maintain quality of services and products.
Overview
22
years of professional experience
Work History
Mahindra & Mahindra Financial Services Ltd.Kolkata
Senior Manager
11.2018 - Current
Job overview
- Accomplish the responsibility for financial and technical appraisal of vehicle loans by scrutinizing the client's financial statements and project reports
- Guide & mentor, the team in completing pre-sanction & post-sanction formalities & disbursement of the loan, noting of charge on security
- Shoulder the responsibility for pre-sanction vetting of various credit proposals
- Accountable for handling preparation of various project appraisals, creation & maintenance of industry-related databases &training of staff in credit management
- Established plan for recovery of loan disbursement as per RBI guidelines
- Interfacing & coordinating with different small & medium enterprises and the agricultural segment for meeting the fund requirement
- Instrumental in making the presentation of various loans & other facilities of the bank to major corporations to enhance the business
- Shouldered the responsibility of delivering business targets as branch manager overseeing loans business of Amravati region
- Accountable for achieving monthly & annual sales targets for the region, as agreed
- Ensure proper implementation & execution of relationship management & retail trade advisory strategies
- Ensure proper sales spread between products
- Aim to increase new customers with increased penetration of existing customers to deepen the wallet share
- Monitoring of progress towards achieving targets is done on a weekly basis
- Agree on targets and take accountability for the overall achievement of product portfolio performance objectives for the branch in terms of Customer Experience, Sales Growth & Income Contribution, Cost Performance, Employee Satisfaction, Risk, and rigor management
- Provide clear direction on business objectives, translating and prioritizing into business performance measures
- Ensure a balance between customer acquisition & penetration of existing customers
- Develop & implement a strategy to deepen the wallet share of existing customers.
Cholamandalam Investment & Finance Co. Ltd.
Sr. Area Sales Manager
08.2017 - 10.2018
Job overview
- Developing strategies to enlarge the core market base of the company while conceptualizing, planning, and implementing processes to drive business volume growth
- Accountable for increasing client acquisition and successfully build relationships with clients in a given area
- Also assisting them in identifying their distinct needs and thereby providing them solutions
- Instrumental in designing plans for mapping the complete geography and also developing market in almost all potential areas
- Efficiently maintaining a constant vigil on market dynamics and attune marketing strategies to exploit available opportunities
- Efficiently conducted market research to identify potential business areas and generated strong sales effort to spot and exploit market opportunities
- Led, guided, and facilitated various training sessions for the team to enhance their performance
- Recognized for conducting market research, trend and competitor analysis, etc., for market identification and penetration Meet clients and give a presentation on the company's product and services to clients
- Solving client's problems queries to retain the assigned accounts
- Establish a good relationship with prospective clients, closures of loans for revenue generation through selling our vehicle loans
- Engage and build strong relationships with clients and convert them to signed contracts
- Leading, mentoring & monitoring the performance of team members to ensure efficiency in process operations and meeting of individual & group targets
- Managing sales activities; utilizing client feedback & personal network to develop marketing intelligence for generating leads
- Identifying streams for revenue growth & developing marketing plans to build consumer preference
- Conducting competitor analysis by keeping abreast of market trends & achieving share
- Developing relationships with key decision-makers in target organizations for business development
- Interfacing with the clients for suggesting the most viable services & product range and cultivating relations with them for securing repeat business
- Defined deliverables & milestones, while communicating status & vision to all concerned and made business models/ cases recommending application of business development plans Consistently achieved all the preset targets including sales, revenue, product mix, and consumable sales while responsible for execution, distribution & service of our services
- A key player in analysis, development, and implementation of strategic business plans & policies, ensured organizational growth, targeting maximum profitability & cost-effectiveness Ensured team cohesion & coordinating with the management on issues arising in the day-to-day operations like team performance, customer satisfaction ratings, and planning for continuous improvements
Tata Motors Finance Solutions Ltd.
Sales Manager
09.2016 - 08.2017
Cholamandalam Investment & Finance Co. Ltd.
Area Sales Manager
01.2013 - 08.2016
DBS Cholamandalam Investment & Finance Co. Ltd.
Territory Manager
04.2008 - 01.2010
Cholamandalam Investment & Finance Co. Ltd.
Branch Sales Manager
01.2010 - 01.2013
HDFC Standard Life Insurance Co. Ltd.
Sales Development Manager
01.2007 - 04.2008
ICICI BANK Ltd.
Sr. Relationship Executive
12.2005 - 01.2007
HDFC Bank Ltd.Kolkata
Branch Sales Executive
12.2003 - 12.2005
Job overview
- Consistently exceeded sales targets by diligently tracking progress toward goals throughout each quarter and adjusting strategies as needed.
Tata Finance Ltd.
Sales Executive
11.2002 - 12.2003
Education
Monad University (U.P.), India
Master of Business Administration (MBA)
University Overview
Status: Pursuing
Lalbaba College, Calcutta University
Bachelor of Commerce
West Bengal Youth Computer Education, Kolkata
Certificate course in computer (Information Technology)
Skills
Still I'm doing direct market sourcing from my own network, I have so many transport client of strategic , super strategic, retail cm in this field
Personal Information
- Date of Birth: 07/07/79
- Marital Status: Married
Professional Highlights
- Achieved a good number of used vehicle finance / refinance businesses in 2019-20 In Mahindra Finance.
- Achieved the highest used/refinance business for the branch in Cholamandalam 2013-2016.
- Received
Languages
Hindi
Upper intermediate (B2)
English
Elementary (A2)
Bengali
Advanced (C1)
Timeline
Senior Manager
Mahindra & Mahindra Financial Services Ltd.
11.2018 - Current
Sr. Area Sales Manager
Cholamandalam Investment & Finance Co. Ltd.
08.2017 - 10.2018
Sales Manager
Tata Motors Finance Solutions Ltd.
09.2016 - 08.2017
Area Sales Manager
Cholamandalam Investment & Finance Co. Ltd.
01.2013 - 08.2016
Branch Sales Manager
Cholamandalam Investment & Finance Co. Ltd.
01.2010 - 01.2013
Territory Manager
DBS Cholamandalam Investment & Finance Co. Ltd.
04.2008 - 01.2010
Sales Development Manager
HDFC Standard Life Insurance Co. Ltd.
01.2007 - 04.2008
Sr. Relationship Executive
ICICI BANK Ltd.
12.2005 - 01.2007
Branch Sales Executive
HDFC Bank Ltd.
12.2003 - 12.2005
Sales Executive
Tata Finance Ltd.
11.2002 - 12.2003
Monad University (U.P.), India
Master of Business Administration (MBA)
Lalbaba College, Calcutta University
Bachelor of Commerce
04.2002
West Bengal Youth Computer Education, Kolkata
Certificate course in computer (Information Technology)
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